46324 — Lake County, Indiana Market Snapshot
Housing market data for zip code 46324 in Lake County, Indiana. Updated monthly with median prices, days on market, and more.
Market Sales Data
58 sales in 2026 (year to date)
Median Sale Price
$195,000
Days to Sell
19
Homes Sold
58
Inventory
15
Sale-to-List
97.9%
New Listings
51
Price/SqFt
$134
Pending Sales
61
Conforming Loan Available
Most homebuyers in 46324 can comfortably use conventional financing. The median home price of $195,000 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
Homes in 46324 are moving quickly at 19 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 46324 sells for 2.1% below asking price (97.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 46324 can comfortably use conventional financing. The median home price of $195,000 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 46324 are set at the county level.
2026 Loan Limits — Lake County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 46324
To purchase the median home at $195,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,644.
Monthly Payment
$1,644
Income Required
$70,458
Principal & Interest
$1,202/mo
Down Payment (5%)
$9,750
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 46324.
Estimated Monthly Payment
$1,357
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